At a Glance
- Tasks: Transform complex lending needs into technical specs and lead innovative projects.
- Company: Join FintechOS, a global leader in fintech innovation.
- Benefits: Competitive salary, diverse culture, and opportunities for growth.
- Other info: Dynamic team tackling significant challenges in a diverse environment.
- Why this job: Make a real impact in the financial sector with cutting-edge technology.
- Qualifications: Experience in UK Mortgage or Commercial Lending and strong technical skills.
The predicted salary is between 48000 - 72000 £ per year.
Hi, we are FintechOS! We are the global leader in fintech enablement, with a mission to make fintech innovation available to every company. The FintechOS platform simplifies and accelerates the launching, servicing, and expansion of financial products and services, helping businesses recognize value up to ten times sooner than with other approaches. With FintechOS, financial institutions can get up and running with new financial solutions in as little as 12 weeks.
We are seeking a Technical Business Analyst with deep expertise in UK Mortgage and Commercial Lending to join our delivery team. In this role, you won’t just gather requirements; you will translate complex lending business logic into technical specifications that power the FintechOS platform.
The ideal candidate bridges the gap between the “what” (business needs) and the “how” (technical configuration), combining deep domain knowledge of originations and servicing with hands-on experience in API integrations, data modeling, and system architecture.
Key Responsibilities
- Requirement Engineering & Technical Design
- Lead Discovery Workshops: Drive sessions with clients to elicit functional and non-functional requirements specifically for mortgage originations, underwriting, and commercial lending workflows.
- Technical Specifications: Translate business needs into detailed technical documentation, including User Stories, API definitions, Data Flow Diagrams, and Sequence Diagrams.
- Gap Analysis: Conduct deep-dive analysis to determine how lending requirements map to FintechOS out-of-the-box capabilities versus where custom technical extensions or integrations are required.
- Data Modeling: Define the data structures required for complex lending products (e.g., interest calculations, repayment schedules, and collateral management).
- Solution Implementation & Delivery
- Configuration & Prototyping: Use the FintechOS low-code/no-code tools to prototype solutions, configure business rules (affordability engines, KYC logic), and define UI/UX journeys for brokers and borrowers.
- Integration Mapping: Define and document integrations with third-party ecosystem providers (e.g., credit bureaus, UK Land Registry, AML/KYC providers, and payment gateways).
- Functional Guidance: Act as the primary point of contact for developers and QA engineers to clarify logic during the build phase, ensuring the final product matches the mortgage domain requirements.
- UAT & Triage: Lead User Acceptance Testing (UAT) from a functional perspective and triage technical bugs or change requests, ensuring they are prioritized based on business impact.
- Cross-Team Collaboration
- Product Feedback: Distill project-specific mortgage requirements into generalized features to help the Product team improve the core FintechOS lending templates.
- Stakeholder Management: Confidently explain technical constraints to business stakeholders and business logic to technical teams, ensuring alignment across the project lifecycle.
Requirements
- Technical Expertise
- API & Integration: Strong experience working with REST APIs, JSON, and Webhooks. Ability to use tools like Postman to validate data exchanges.
- Architecture Knowledge: Solid understanding of service-oriented architecture (SOA) and how cloud-native platforms operate within a banking environment.
- Data Savvy: Proficiency in SQL and experience in data mapping/migration for financial systems.
- Technical Documentation: Proven ability to create high-quality technical specs, including documentation for event-driven architectures and security compliance.
- Domain & Consulting Skills
- Lending Expertise: Mandatory experience in the UK Mortgage or Commercial Lending sector. You must understand the end-to-end lifecycle: broker portals, DiP/AiP, full mortgage application (FMA), offer generation, and completion.
- Commercial Lending: Familiarity with commercial loan structures, covenant monitoring, and complex entity onboarding is a significant plus.
- Analytical Mindset: Ability to break down a “business wish” into a logical “if-this-then-that” technical flow.
- Agile Proficiency: Extensive experience working in Scrum/Agile environments using Jira and Confluence.
What We’re Looking For
A detail-oriented Technical BA who loves the “nitty-gritty” of how a mortgage application moves through a system. You are someone who is equally comfortable talking to a Lead Architect about API authentication as you are talking to a Head of Lending about affordability ratios.
Our Culture
We are a highly motivated team, tackling significant technical challenges in one of the biggest industries in the world, driven by the impact our work can have on millions of people globally. At FintechOS, we strive to be a place where a diverse mix of talented people want to come, stay, and do their best work. We are fully committed to equality and believe deeply in diversity of race, gender, sexual orientation, religion, ethnicity, national origin, and all the other wonderful characteristics that make us different.
Quick Facts
- Venture-backed business co-headquartered in New York and London.
- Serving international clients across North America and Europe.
- Customers include Groupe Société Générale, Admiral Group, BPCE Oney, and innovative challengers such as Vibrant, eMag, and Howden.
- Partners range from niche consultancies to global systems integrators including Deloitte, EY, and PwC.
Senior Technical Business Analyst - UK Mortgage and Commercial Lending in City of London employer: FintechOS
At FintechOS, we pride ourselves on being a leading employer in the fintech sector, offering a dynamic work culture that fosters innovation and collaboration. Our commitment to employee growth is evident through continuous learning opportunities and a diverse team that thrives on tackling significant challenges in the financial industry. Located in the vibrant hubs of New York and London, we provide our employees with a unique chance to make a global impact while enjoying a supportive and inclusive environment.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Technical Business Analyst - UK Mortgage and Commercial Lending in City of London
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like FintechOS. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Senior Technical Business Analyst - UK Mortgage and Commercial Lending in City of London
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to FintechOS.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on FintechOS's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at FintechOS
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with FintechOS.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at FintechOS will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former FintechOS employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
